The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$68,475
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,604
−HK$2,164/mo
Today · 4.125%
HK$72,768
baseline
▲ 0.50% · 4.625%
HK$77,196
+HK$4,428/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$145,536/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,177
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,220
−HK$2,073/mo
Today · 4.125%
HK$80,293
baseline
▲ 0.50% · 4.625%
HK$84,525
+HK$4,232/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$160,586/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,169
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,725
−HK$2,597/mo
Today · 4.125%
HK$87,322
baseline
▲ 0.50% · 4.625%
HK$92,636
+HK$5,314/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$174,644/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,413
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,864
−HK$2,487/mo
Today · 4.125%
HK$96,351
baseline
▲ 0.50% · 4.625%
HK$101,430
+HK$5,079/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$192,702/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,864
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$98,846
−HK$3,030/mo
Today · 4.125%
HK$101,876
baseline
▲ 0.50% · 4.625%
HK$108,075
+HK$6,199/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$203,752/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,648
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$109,508
−HK$2,902/mo
Today · 4.125%
HK$112,410
baseline
▲ 0.50% · 4.625%
HK$118,335
+HK$5,925/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$224,820/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,254
−HK$7,729/mo
▼ 0.25% · 3.875%
HK$127,088
−HK$3,895/mo
Today · 4.125%
HK$130,983
baseline
▲ 0.50% · 4.625%
HK$138,953
+HK$7,970/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$261,966/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,119
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$140,796
−HK$3,731/mo
Today · 4.125%
HK$144,527
baseline
▲ 0.50% · 4.625%
HK$152,145
+HK$7,618/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$289,054/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,246 · Scale 2, in force from 26 Feb 2026)